Winning the new financial era

Chapter 153 There Are Opportunities Everywhere in Life

"Yes, this is a typical style of play in our Internet industry.

In addition to investing 6 million yuan in red envelopes for the Spring Festival Gala, we also invested 2.15 million yuan in the Wufu event.

8.15 million, in exchange for more than 8000 million new users to register for our software.

The cost of acquiring a customer for a user is less than 10 yuan.In the future, each user will create a profit of more than 10 yuan for me, and we will recover the cost. "

Seeing that Liu Yonghao was quite knowledgeable, Zhang Yida said a few more words on this topic.

“Our company used to give farmers credit when the feed couldn’t be sold, asking them to feed the pigs with the feed first, and then settle the bill after the pigs were sold.

This style of play is similar to yours! "

Liu Yonghao nodded in praise.

"My family also has a small feed factory in Jinyu County, which has been in operation for 20 years.

But in this industry, there are too many giants, and it is difficult to grow bigger.Now it has transformed into a pet market. "

Zhang Yida said again.

It turned out that they were still colleagues, and Liu Yonghao chatted with Zhang Yida about the development history of domestic pig feed.

Under the influence of his parents, Zhang Yida knew a little about the feed industry, and had a pleasant chat with Liu Yonghao.

"Yida, what is the cooperation you mentioned earlier? Can Ruixiang and Xinwang cooperate in certain fields?"

Here comes the show meat. After nearly an hour of chatting, Liu Yonghao basically got a good idea of ​​Zhang Yida's background and Ruixiang's business situation, and now he started to ask about cooperation.

"Internet banking!"

Zhang Yida had been thinking about this all the time, and had no chance to contact Liu Yonghao before.

This time I saw a real person on the plane, how could I not get acquainted with him?
"Internet banking. Are you talking about online banking like WeBank?"

Liu Yonghao has paid attention to this field earlier, and he already has the idea of ​​establishing a bank in his heart. He really wants to push this matter to the ground. Recently, he is looking for suitable shareholders everywhere.

Hearing Zhang Yida mention this matter, he asked calmly.

"Yes, there are no outlets, and all businesses are handled online.

Internet finance has developed to this day, and the technology is already very mature. There is no problem with the software when setting up this kind of Internet bank.

Take Ruixiang as an example, we don't have a branch company all over the country, and all the staff are concentrated in the capital.

But our wealth management, investment, borrowing, payment and other businesses all cover the whole country.

How to do it?
It is the use of advanced financial technology, including cloud computing, blockchain, artificial intelligence, big data and other cutting-edge technologies, driven by massive data, to create a full-scale online business process.

Ruixiang owns Tiance Technology, which also exports financial technology for B-end enterprises.

Next, Tiance Technology will release a product called "Ruixiang Super Brain".

The product integrates eight core module functions including account system, payment system, big data risk control, credit scoring, artificial intelligence, financial product design, digital marketing, and digital certificate functions.

Partners can call any module of the platform for their own use. Through API access, they can easily connect to the funding side and quickly reach the scene side, bringing reliable and intelligent digital financial services to B-side partners. "

Although Liu Yonghao knows a little about the Internet, his understanding is not very deep. Zhang Yida's words made him confused, but he feels that Ruixiang is worthy of a company with a valuation of tens of billions of dollars, and its technological content is still very high.

Liu Yonghao smiled and said, "You want to invite me to start an Internet bank together?"

Zhang Yida nodded slightly, and said: "Xinwang Group is powerful, and Ruixiang is willing to join hands with you to build a leading Internet bank in China."

"Who is the main one? Who is the second?"

Liu Yonghao is already a little moved, but he is still very concerned about the relationship between primary and secondary, so he asked this question.

"Naturally, Xinwang is the main one, and Ruixiang is the second. Xinwang is an old-fashioned private large-scale enterprise in China. You have abundant funds, and I have no objection to being a major shareholder."

Zhang Yida knew that Liu Yonghao was very powerful. He held leadership positions in the Chinese People's Political Consultative Conference and the Federation of Industry and Commerce, and had deep connections with the upper echelons.

It is not so easy to apply for a private bank, and Rui Xiang applied for it, but he couldn't get in.

If Liu Yonghao applied as a major shareholder, the situation would be different, and Ruixiang could follow behind to drink some soup.

"Even if the two of us are the core shareholders, how many shareholders are there? Do you have any good candidates to recommend?"

Liu Yonghao was very happy to hear Zhang Yida said that he was willing to take the second place. He was completely tempted by Internet banking.

"Invite Rice Group and Black Flag Chain, and the four of us will work together to promote the formation of the bank."

Xingwang Bank in the previous life had these two shareholders, Rice Group has certain Internet genes, and Black Flag Chain is a local enterprise in Sichuan and Sichuan.Therefore, Zhang Yida decided to invite these two companies, because more people are more powerful.

"How will the equity be distributed?"

Liu Yonghao is also very familiar with these two companies. Dami was founded by Lei Jun, a well-known model worker in Zhongguancun, and Black Flag Chain was founded by Cao Shiru, an iron lady in Sichuan.

Both companies are large enterprises, and they are qualified to form a private bank together with Ruixiang and Xinwang Group.

"The upper limit of the shareholding ratio of a single shareholder of a private bank is 30%. This regulation is to avoid excessive concentration of the largest promoter shareholder's equity and to reflect the principle of equity checks and balances.

Do you think this arrangement works?
Xinwang Group can get 30% of the shares, Ruixiang can get 29.5%, Dami 29%, and Black Flag Chain can get the remaining 11.5%. "

Zhang Yida threw out his own plan, which had already been drafted in his mind countless times, and he thought it was very reasonable.

"Well, the plan is okay, after the Spring Festival, I will ask Lei Jun and Cao Shiru to talk.

This is the initial plan!Specifically, I guess we will have to wait until we have talked about it. "

Liu Yonghao quite approves of this plan in his heart, and basically ranks shareholders according to the strength of the company.

But he is mainly worried about the attitude of Rice Group.

As far as he knows, Rice Group completed its E-round financing of US$11 billion at the end of last year, with a valuation of US$450 billion.

Compared with Rice Group, Ruixiang's valuation of tens of billions of dollars is still far behind.

But because it is a bank!As some of the top Internet financial companies in China, Ruixiang has strong financial technology and technology, which should be of great help to Internet banks in the early stage.

He had to talk to Lei Jun to find out the specific result.As for Cao Shiru's side, he is more familiar with it, and it should not be difficult to persuade the other party.

"The bank is open, how do you think we're going to do business?"

Liu Yonghao asked Zhang Yida again.

"I think this issue should be considered in many ways. Let's talk about positioning and shareholder advantages first.

Relying on Penguin, WeBank is mainly engaged in personal business.Penguin is the overlord of domestic social media, and shareholders must make reasonable use of such an advantage.

The next one to open is MYbank, relying on Ali and Leech Financial Services, and its service targets are mainly small and micro business owners.

Xinwang’s advantage lies in agriculture, Ruixiang’s advantage lies in financial technology and online customer acquisition, and Rice’s advantage mainly lies in technology and Internet genes.

The main gene of the Black Flag chain is retail, but because its main business is in the province, it has little advantage in relying on it and can give it up.

I think that in the early stage, we should focus on agriculture and rely on the advantages of Xinwang Group to expand business.

Of course, Ruixiang and Rice will also provide technical support.

Ruixiang can also provide banks with traffic access to help absorb deposits.In addition, Ruixiang also has a loan business, and Internet banks can provide loan funds, and Ruixiang can provide high-quality assets.

In addition, I also have Jiayimindai Company, which specializes in online assets, and now has various types of consumer installments such as education installments, travel installments, and home improvement installments.

Yimindai can also provide high-quality loan assets for Internet banks.

By the way, I also have a Huinongdai company, which specializes in rural poverty alleviation loans.Recently, we are negotiating financial cooperation with the bank. Our bank has opened up, and we can also take over the business.

In short, there is no shortage of high-quality assets.In the early stage, we should focus on the capital side. "

Zhang Yida spoke clearly and logically, and Liu Yonghao kept nodding his head to show his agreement. Suddenly Liu Yonghao said with a smile:

"Yida, to tell you the truth, we also established Xinwang Finance last month.

The positioning of Xinwang Finance is to be a P2P platform connecting rural borrowers and urban lenders.

Provide financing channels for individuals, agriculture, rural areas, and small and micro business owners, and provide financial investment and consulting services for investors such as institutions and individuals.

When the bank is established at that time, Xinwang Finance can also contribute. "

Zhang Yida had heard of this platform in his previous life, but he was not very well-known in the industry, and his business was modest.

This year is 2015, and all Internet giants and industrial leaders have entered the P2P field.

At the moment, everyone thinks that this field has a future, but after a few years, we will know that the pants are almost gone.

The influx of hot money into the P2P industry has promoted the prosperity of the industry and will also open the curtain of burning money.

First, the venture capital money was burned, and the venture capital money was burned, and then the individual lenders' money began to be burned...

You can never wake up a person who pretends to be asleep. Many P2P entrepreneurs think they can go ashore, but 99% of them drown in the end.

But Liu Yonghao just started a P2P platform, Zhang Yida couldn't pour cold water on it, and said with a smile:

"Mr. Liu, you have a good vision! The future of P2P is indeed bright. But in the process of operation, we must pay attention to various risks, such as the risk of capital run, the risk of asset bad debt outbreak..."

"Yes! Yida, what you said makes sense. Isn't your Tiance Technology exporting technology to foreign countries?
We, Xinwang Finance, bought a system from you to try it out. We need to add some good equipment when we are about to go to the battlefield. "

Liu Yonghao laughed loudly.

"No problem, I will definitely give you Bashi! I will give Mr. Liu the best price."

Zhang Yida spoke in Sichuan and Shu dialect, and Liu Yonghao nodded to express his satisfaction.

After the plane landed at Shuangliu Airport, Zhang Yida and Liu Yonghao walked and chatted for a while.

Zhang Yida saw his father Zhang Qinghua waving to him, and said to Liu Yonghao: "Mr. Liu, my father has come to pick me up, so I will take a step first. We will communicate on the phone later. You are also welcome to come to Ruixiang to guide our work."

Liu Yonghao also saw Zhang Qinghua, and said with a smile, "Your father and I are also traveling together, let's get to know each other!"

Zhang Qinghua was a little surprised when he saw his son and a handsome middle-aged man with assistants and bodyguards behind him, and found out that it was Liu Yonghao. He glanced at Zhang Yida.

Zhang Yida made a brief introduction for both parties. Liu Yonghao held Zhang Qinghua's hand and said:
"Brother Zhang, the tiger father has no sons! You gave birth to a good son."

"Where there is, he is just making small troubles. There is still a long way to go, and he needs to work harder. I also hope that Mr. Liu can support the younger generation more."

When Zhang Qinghua saw feed tycoon Liu Yonghao praise Zhang Yida so much, he also felt a lot of face. He said it modestly, but in his heart he felt relieved that his son had a future.

After chatting for a while, Zhang Qinghua and his son took a photo with Liu Yonghao, and the two sides bid farewell to each other.

After Liu Yonghao left, Zhang Qinghua posted a Moments with a smile, accompanied by a group photo of the three of them, and wrote:

"I ran into Mr. Liu at the airport, and we hit it off right away, and we chatted happily."

Zhang Yida was speechless, so he gave his father a little face and gave him a thumbs up.

A friend commented to Zhang Qinghua: "Hey, Lao Zhang is on his thigh!"

Someone also joked: "Mr. Liu wants to buy your feed factory?"

Zhang Qinghua looked at dozens of comments of all kinds, and replied directly and uniformly:
"We didn't talk about acquisitions or cooperation, but we exchanged views on the development situation and trends of the feed industry, as well as the impact of the macro-control of the industry!"

(End of this chapter)